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Stuck  between a Rock and A Hard Place? We can help
Stuck between a Rock and A Hard Place? We can help

Chapter 13 Bankruptcy Discharge

Discharging Debts in Chapter 13 Bankruptcy

There is only one reason that people file bankruptcy: to overcome debt. While the reason for filing bankruptcy may be the same for everyone, each situation is unique. Everyone has a different mix of debts. If you are considering Chapter 13 bankruptcy, it is critical to find out exactly how it will affect your debt.

At Rothschild & Ausbrooks, PLLC, our Nashville Chapter 13 bankruptcy discharge lawyers will take the time to review your situation and your mix of debts. We will provide you with the information you need to make the right decision about your financial future.

What Debt Is Discharged in Chapter 13 Bankruptcy?

One of the first questions that needs to be answered before moving forward with Chapter 13 is, what debt can you discharge? There are two types of debt: secured debt and unsecured debt. Unsecured debt includes credit card debt and medical debt. These are the debts hit the hardest by Chapter 13. Since Chapter 13 involves a repayment plan, you are also able to attack your secured debt along the way, including past-due car and house payments.

We have more than three decades of experience helping people just like you in Nashville and throughout Tennessee. Our attorneys have seen the impact debt has on people. We will not make matters more stressful by pushing you in a direction you are not comfortable with. We will educate you about the benefits of the Chapter 13 discharge and let you make the decision.

How Soon Is Debt Discharged in Chapter 13?

In Chapter 13, you will have to follow a repayment plan for three to five years. Of course, thanks to the automatic stay, creditor harassment will stop as soon as you file bankruptcy. Along the way, you will make payments that make sense based on your income. When you have successfully completed your plan, any remaining unsecured debt will be eliminated.

Contact Us for a Free Consultation — Chapter 13 Rules

Please contact Rothschild & Ausbrooks, PLLC, today to get answers to questions about Chapter 13 rules and bankruptcy discharge.


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